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Car Insurance simplified

Car Insurance or motor insurance as commonly referred to, helps to protect the losses you might incur while driving on a busy road. The loss could be a result of an accident or theft. The premium amount of your car insurance is decided on the basis of Insured Declared Value or IDV of the vehicle. A slight change in IDV can make a whole lot of difference to the motor insurance premium. If you raise the IDV, the premium rises and if you lower it down, the premium reduces. It is very important for any policyholder to compare various options before going for a car insurance renewal or buying a new policy.

Coverage under Car Insurance

Car insurance is of 3 types - Third Party Liability Coverage, Collision Coverage and Comprehensive Coverage.

  • Third Party Liability Coverage

    Third Party Car Insurance covers you against any legal liability to a third party resulting when you are at-fault driver. It covers damage/injury caused by you to another person/property. A Third Party Liability cover is legally mandatory in India under the Motor Vehicles Act.

  • Collision Coverage

    Collision Coverage protects the insured financially against damage to his/her own car. It pays the insured for damage caused by collision. Damage/loss due to theft or vandalism is not included in collision coverage.

  • Comprehensive Coverage

    A comprehensive package car insurance policy is more extensive and preferred by most people. The coverage includes damage or theft of vehicle, third party legal liability and personal accident cover. The policy coverage can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc.

No Claim Bonus

For every claim free year, the insured is rewarded with a discount on the renewal premium. This discount is No Claim Bonus (NCB). It is cumulative and increases every year. It usually ranges from 10% to 50% and can save substantial amount of money.

Advantages of buying motor insurance online:

  • lower premium online: Every company gives cheaper quotes to their online customers as it saves them all the paperwork & manpower expenses. It is wise for you to buy car insurance online and take this benefit.
  • renewals are always cheaper: A simple thumb rule to know is that your renewal will always be cheaper than your previous policy, if you buy it online.
  • easy to compare: There is no fixed rate for your car Insurance. You can always get a discount. It is recommended to compare Motor Insurance before buying. It is always easier to compare Insurance online at one place.
  • paperless transaction: Online buy saves you from all the paperwork and filling up the lengthy Insurance forms and saves your important time. Also, you can find all your important documents at one place which can be accessed easily when they are needed.
  • easy buy and instant policy: Online buying process is quick and smooth. Bimadirect insurance experts can make it even easier by filling the form on your behalf with just a call to our toll free no. 1800-108-8888. Further, buying Motor Insurance online gives you policy on your email instantly whereas getting policy while buying from an agent or dealer can take 2-3 days

    So Compare and buy the best car insurance online now in less than 15 minutes from Abiding by our belief in consumer empowerment, we have partnered with all major General Insurance companies in India to bring their products on a single platform enabling comparison and informed decision making.

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